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Hi, Last payments were around 2009. The last time any sort of letter showed up was about 3 years ago to my knowledge but only received by me a year after it was written as hung onto by my sister.
I haven't managed to open a bank account yet but made progress in what they required so will try this week.
Thanks for responding. At the time maybe I should have gone bankrupt in hindsight but before I left it pretty much all stopped after asking for the SAR' s. I had settled what I could prior to that. Then after a big gap I started to get random debt agencies picking up on a few, irrespective of saying there were outstanding SAR requests they came and went and I did inform them where I was living overseas which is why Amex went for the RMA and then suddenly stopped.
You are of course right about running away. Seriously the whole thing gave me real depression which is something I only thought happened to other people. It has taken me all this time to get back to a place where I think I can take a deep breath and deal with it both for my sake and my mum.
I will keep a log. What happens might prove relevant to others and I can't see anyone else has kept one although a lot of people seem to have similar stories.
Thanks again

Let them spout and don't tell them that you have recorded the call until its nearly ended and you have said you are logging date and time of all calls as they are in breach of the Protection from Harassment Act 1997
Prohibition of harassment.
(1)A person must not pursue a course of conduct—
(a)which amounts to harassment of another, and
(b)which he knows or ought to know amounts to harassment of the other.
[F1(1A)A person must not pursue a course of conduct —
(a)which involves harassment of two or more persons, and
(b)which he knows or ought to know involves harassment of those persons, and
(c)by which he intends to persuade any person (whether or not one of those mentioned above)—
(i)not to do something that he is entitled or required to do, or
(ii)to do something that he is not under any obligation to do.]

It wasn’t recorded as to be honest, I was caught a little off guard however they are calling on a daily basis so I’ll make a point of recording the next one!
there won’t be any crumbling here.
I’ve just been reading through the history of this to jog my memory on some of the events and it’s reminded me just how pathetic they are as a business. I fully intend to waste as much of their time and hopefully money as possible.

well make sure you log every call.
hope yo recorded that call?
don't be hoodwinked either.
into thinking they wont push it right thru till the day before the hearing to run up costs that they supposedly will claim in barrister fees.
to make you wet yourself and crumble.

Picked By

Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!

Xercise4less/CRS

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Hi, sorry for posting this as I know there’s a lot of other threads on X4L/CRS but I think, having read a few of the threads, that my situation is slightly different.

So today I received an email about an X4L membership that I had completely forgotten about it was so long ago (around January 2014 I think).

The amount due is apparently £262.47 but in the email they have offered me a “deal” of 60 per cent off the balance if I contact them by the 23rd August.

My my memory is pretty hazy as it was a while ago but I’m pretty sure I never cancelled anything. I lost my job around February/March 2014 and was in a bit of a mess at the time, so I didn’t have any money to pay but I think the direct debit still went out of my bank and left me in arrears which led to quite a large debt building up with my bank.

Im guessing at some point they either stopped taking the direct debit or I must’ve cancelled somewhere along the line, and I’ve thought nothing else of it until I received this email today as a “final attempt to resolve this matter” whatever that means.

Where do I stand? Should I take this offer just to get it over and done with? Any advice is greatly appreciated. Sorry for the vague details my memory isn’t the best!